Search
Close this search box.
Search
Close this search box.

Please log-in to purchase.

Purchasing for others?

Learn How
Please log into your account at GSB.org using your own credentials before adding programs to your cart. (If you don't have an account, you'll need to create one; if you have forgotten your password, you can reset it.)
If you'd like to purchase for someone else, or use a payment method associated with another employee, you'll be prompted for that information on a future screen – but please use only your own credentials when making the initial program selection.

The Business of Banking-Sp24

$625.00

Additional information

Date

1/30/2024 & 1/31/2024

Recording Available Until

12/31/2024

Presenter

Mike Wear

Company

39 Acres Corporation

Target Audience

Those that are new to the banking industry

Program Time

9:30 am-11:30 am CT

Duration

240 minutes

This convenient online program is ideally suited to those who are new to banking – both frontline staff and those newly hired to leadership positions who gained their experience in other industries. Learn the language of banking, including an understanding of key ratios, to gain a clearer understanding of how the bank functions as a business.

The program is split into two parts:

• Part 1 – Risky Business – An overview of the business of banking, industry trends, with an emphasis on risk management using the “Big 5” Risks for Banks as our tour guide: Credit Risk, Market Risk, Liquidity Risk, Operational/Legal Risk, and Regulatory/Reputation Risk.
• Part 2 – An Open Book – to a Degree – Using the same tour guide as above, Participants will learn to look up their own bank’s key performance management ratios, comparing to FDIC peer group and national averages.

Topics include:

• How a bank makes and loses money
• An overview of a bank’s balance sheet and income statement
• The importance of your bank to the local economy using the money multiplier as an example
• Risk arbitrage for both borrowers and depositors
• Enterprise Risk Management (ERM)
• Industry trends and current conditions
• How to manage each of the “Big 5” risks with examples and stories
• 4 key areas of bank financial management
• How to look up and use bank ratios (with UBPR and SDI tools provided)
• Overview of CAMELS and regulatory enforcement actions, and,
• How to ‘thrive’ in a recession

The following ratios will be explained: ROA, ROE, Efficiency Ratio, Past Dues, Non-Accruals, Charge-offs, Loan Loss Reserve level and coverage, Spread/NIM, Loan-to-Deposit Ratio, Core Deposit Funding, and Equity Capital Ratio.
Participants will receive their bank’s UBPR (Uniform Bank Performance Report)